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SOL up, need advice on removal

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jskins



Joined: 26 Mar 2010
jskins's page
Posts: 2



27 Magic Points

Subject: SOL up, need advice on removal
 
Posted on Fri Mar 26, 2010 6:48 pm  

It's been 8 yr.s since DOFD, so i thought it should have dropped off by now. I've begun typing up a dispute letter to send to the CRA. I'm looking for advice on the wording to be used for this situation.
Much thanks,
Jenn
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



601 Magic Points

 
Posted on Fri Mar 26, 2010 11:32 pm  

check out the stickies, they are located on the forum board or put it in the search engine.

You may also find some of the sister site debt consolidation care, you can find a link at the bottom of the page.
cinnamngrl



Joined: 01 Nov 2008
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Posts: 1320



6419 Magic Points

 
Posted on Sat Mar 27, 2010 12:54 am  

Which CRA? Usually the credit reports say when it will drop off. this might wrong of course but helps to know how far you are off so you know how to handle it.

which cra?
who is the creditor?
how is it listed?
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NightStar



Joined: 10 Mar 2010
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Posts: 142
Location: Illinois


3176 Magic Points

 
Posted on Sat Mar 27, 2010 4:54 am  

If it has been 8 years it surely should of come off of the credit report, all you have to do is write back informing the credit reporting agency that the listing is obsolete, and that you want this item removed.
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Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: debts drop off after 7 years
 
Posted on Sat Mar 27, 2010 6:36 am  

Hi jskins,

Generally speaking, debts drop off your credit report after the 7 year limit. However, this has nothing to do with the Statute of Limitations (SOL). When SOL expires, the creditor won't be able to win if he sues you. The negative items drop off only after 7 years.

In your case, the 7 year limit is up. So, you can dispute this item with the credit bureaus. You will be able to get a sample dispute letter at http://www.creditmagic.org/repair/dispute-letter.html .

Hope this helps,

Regards,

Aaron
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